Home Building Insurance
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional extra - full building replacement
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional extra - full building replacement
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Yes
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- Yes
- Landscaping
- Yes, retaining walls, garden borders, pathways and paved areas.
- Gates and fences
- Yes
Home Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- No
- Cd dvd and electronic files
- Up to $1,000 combined with computer software
- Computer software hardware
- Hardware yes. Software up to $1,000 combined with CDs/DVDs
- Camera and accessories
- Optional Extra
- Carpets
- Yes
- Antiques and valuables
- Up to $2,500 per item, up to $5,000 in total, up to $5,000 for collections
- Jewellery
- Up to $2,000 per item, up to $5,000 in total
- Replacement of documents
- No
- Tools of trade
- Up to $2,000
- Contents while moving
- No
- Lock replacement
- No
- Temporary accommodation
- No
- Debris removal
- Up to 10% of sum insured
- Demolition cost
- No
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- No
- Building materials
- No
- Landscaping
- No
- Gates and fences
- No
Home Building & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional extra - full building replacement
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional extra - full building replacement
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- No
- Cd dvd and electronic files
- Up to $1,000 combined with computer software
- Computer software hardware
- Hardware yes. Software up to $1,000 combined with CDs/DVDs
- Camera and accessories
- Optional Extra
- Carpets
- Yes
- Antiques and valuables
- Up to $2,500 per item, up to $5,000 in total, up to $5,000 for collections
- Jewellery
- Up to $2,000 per item, up to $5,000 in total
- Replacement of documents
- No
- Tools of trade
- Up to $2,000
- Contents while moving
- No
- Lock replacement
- Yes
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- Yes
- Landscaping
- Yes, retaining walls, garden borders, pathways and paved areas.
- Gates and fences
- Yes
Your selected home insurance
AAMI home insurance ratings
Customer reviews
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Too expensive but good claims process
I’ve been with AAMI since moving out of home, and I’m becoming increasingly dissatisfied due to the rising premium costs. I feel like it offers little value for money. I’m only with them because the claims process is easy, versus other insurers who I’ve heard don’t pay out. But I’m finding it difficult to afford AAMI.
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great company
had a claim. fixed without a fuss.
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great company
great company to deal wit
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Discounts for multiple policies
Love AAMI, they give you a discount for adding multiple policies, have a great customer service team and easy to use. No issues!
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The more you push the more discount you get
My last renewal the cost of the insurance went up by $400 and I didn't make any claims. You are always hearing that you need to shop around so I did and the quotes that I received were what I was paying before the price hike or a little less. I ended up calling AAMI telling them what I found and after a 15 minute conversation back and forth with the cost I got my insurance cheaper than what they quoted me. Could not believe it so I stayed with them.
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Much cheaper with AAMI than APIA
I like this insurance company as they're a breath of fresh air in the industry, have friendly staff and were $1200 cheaper than our previous insurer for the same insurance cover. We've got no regret ion changing over to them.
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UN-LUCKY YOU ARE WITH AAMI
Our brick fence was damaged by the storms we had last year. On the other side of the wall I have two neighbours, a subdivided lot. One of the neighbours are secured with RAC and he got $6.500. The other neighbour and us very very UN-LUCKY been with AAMI were told that the wall was faulty. This wall was approved by council, and was build 20 years ago with no issues ever.
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Who, AAMI ? Yeh, good luck....
We've been an AAMI customer for approx 10 years now & in the past several years I've noticed them making silly errors on our annual insurance policy docs. which I've needed to call their service centres several times to have fixed ! This is unacceptable, unprofessional & reckless. As anyone will know that all info. on these docs. need to be correct & up to date or it will have repercussions on future claims ! AAMI would do better focusing on improving their customer service & systems before wasting millions on ridiculous little TV commercials & eye catching billboards. AAMI, get your act together - it may not so much pay off in dollars, but in reputation - which your are now loosing.
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AAmi bad policy bad service
they increased by home and building policy at renewal time by 138% when called to ask why they just said that the assessment was correct , my father lives less than 1 km away from was only increased by 36% and when l questioned them about that they just kept on stating that my policy amount was correct and l lodge a official complaint and two weeks later received letter to saying reassessment correct - just policy line , did not renew with them after 30 years with them
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Wonderful staff friendly and helpful
Amazing insurance company have lots of products to choose from friendly people
AAMI products
Home insurance quick links
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